ADCB Credit Card Eligibility

ADCB Credit Card Eligibility Requirements

ADCB credit card eligibility requirements apply to all credit card applications submitted through official ADCB channels.

1. Minimum Age Requirement: The minimum age for applicants is 21 years, which is mentioned on all ADCB credit card product pages.
2. Minimum Salary or Credit Limit Requirement: The minimum salary or the maximum credit limit varies according to the type of ADCB credit card selected.
3. Residency Status: A valid document showing UAE residency is a must for the applicants, which will be authenticated through the Emirates ID and passport information given at the time of application.
4. Employment and Income Verification: As per the official application form, ADCB wants verification of income in the form of salary certificates or bank statements.

Types of ADCB Credit Cards and Their Salary Brackets

ADCB card eligibility varies by card type. Key examples include:

Card Name	Credit Card Eligibility	Apply
Essential Cashback Credit Card	Minimum salary requirement is AED 5,000, or eligibility via a minimum credit limit of AED 3,000, as specified on the official card page.	Apply Now
TouchPoints Titanium & Gold Credit Cards	Minimum salary requirement is AED 5,000, with an alternative credit-limit eligibility of AED 3,000, according to ADCB’s official TouchPoints card page.	Apply Now
Talabat ADCB Credit Card	Requires a minimum salary of AED 5,000 or a qualifying credit limit of AED 3,500, as stated on ADCB’s official Talabat card listing.	Apply Now
ADCB LuLu Platinum Credit Card	Minimum salary requirement is AED 8,000, or eligibility through a minimum credit limit of AED 15,000, per ADCB’s official product page.	Apply Now
Shukran ADCB Credit Card	Requires a minimum salary of AED 8,000 or a credit limit of AED 15,000, as published on the official ADCB Shukran card page.	Apply Now
ADCB Betaqti Credit Card (UAE Nationals)	Minimum salary requirement is AED 10,000, or eligibility via a credit limit of AED 20,000, per ADCB’s official Betaqti card documentation.	Apply Now
Etihad Guest Signature Credit Card	Minimum salary requirement is AED 15,000, or a credit limit eligibility of AED 25,000, as published on ADCB’s official Etihad Guest card page.	Apply Now

How to Choose the Right ADCB Credit Card

When selecting a card, consider your ADCB credit card eligibility alongside benefits and fees:

1. Salary Alignment: Card selection should correspond to the applicant’s verified monthly salary, as published on the official ADCB card page.
2. Credit Limit Qualification: Where applicable, ADCB permits eligibility based on approved credit limits instead of salary alone.
3. Fee and Benefit Comparison: Annual fees, cashback rates, reward points, and benefits are listed transparently on ADCB’s official card pages.

Common Reasons for ADCB Credit Card Rejection 

Applications may be rejected if ADCB card eligibility is not met, including income requirements, employment criteria, credit history standards, and documentation norms applicable to the selected card type. ADCB may decline credit card applications if official eligibility criteria are not met:

1. Insufficient Age: Applicants under 21 years do not meet the official age requirement.
2. Inadequate Salary: Monthly income falls below the minimum required for the chosen card, as outlined on the official ADCB pages.
3. Unverified Documents: Missing Emirates ID or valid passport details during the official application process.
4. Poor Credit History: Internal credit bureau checks may show high risk or poor repayment history during official review.
5. Incomplete Official Application: Errors or omissions in the official ADCB application form can trigger rejection during processing. 

Factors Affecting ADCB Credit Card Eligibility in the UAE

ADCB credit card eligibility is influenced by multiple factors defined and reserved by ADCB during the application and assessment process.

1. Age Compliance: Applicants must meet the minimum age requirement of 21 years, as specified across ADCB credit card product pages and application documentation.
2. Income Stability and Verification: Verified and consistent monthly income, supported through salary certificates or bank statements, affects eligibility and affordability assessment.
3. Minimum Salary: Each ADCB credit card has a defined minimum salary requirement or qualifying credit limit, which must be met for the selected card type.
4. Employment Status and Continuity: Employment details declared in the application form are reviewed as part of ADCB’s internal assessment to confirm income source and stability.
5. Documentation Accuracy and Completeness: All submitted documents must be accurate, valid, and consistent with official records; discrepancies may affect application approval.

Conclusion

In the UAE, the ADCB credit card eligibility revolves around clearly stated age, salary, credit limit, and documentation requirements, which are very well published on ADCB’s official site. Each card has different eligibility limits, which have to be fulfilled before the application is made. Verifying requirements directly from ADCB’s official product pages ensures accuracy, compliance, and a higher probability of approval through authorised ADCB application channels.

FAQ's About ADCB Credit Cards Eligibility